Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,414Cash toward the purchase price.
Closing costs + prepaids$11,662Not just lender fees.
Before credits & paid funds$35,077The complete starting cash picture.
Estimated remaining funds due at closing
$35,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,414.38
Your down payment$23,414.38
Closing costs + prepaids$11,662.14
Total buyer cash needed$35,076.53
Remaining funds due$35,076.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,819.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,292.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$949.75
Prepaid interest, first (30 days)$1,381.48
Fees + prepaids$11,662.14
Your down payment is the seller’s equity. You take over the $258,585 balance, so the rest of the $281,999 price is paid at closing. A second mortgage can cover part of it. $35,076.53 is due at closing. Uses and sources reconcile at $293,661.14 each. Not a Closing Disclosure.